Archive for the ‘Money’ Category

Anyone going through a loan modification knows it’s not a simple and easy process. There have been many discrepancies with the banks especially when it comes to loan modifications. The million dollar question is why are loan modifications changing the rules? My thoughts are some of the rules need to be changed to regulate the banks. Most loan modifications I have investigated don’t benefit the consumer very much. The purpose of a loan modification in the Bank’s eyes is to extend the time of the loan in which the borrower can catch up on what they are behind. The truth is some modifications can hurt the consumer even more. Many loan modifications give the bank the right to add on extra fees and interest that normally wouldn’t be added on. This in turn hurts the consumer in that it puts them even further behind on their mortgage. Where loan modifications can help many consumers, they usually are only a temporary solution. This is because while during your trial payment period you may have lower payments, most of the banks doing the modifications will find a way to add extra interest and fees and therefore may result in a higher mortgage payment. Sometimes the best way to get out of your situation is to sell your home.

Most consumers do not know that if they sell their home they may be able to get money from their mortgage company as a relocation fee in order to avoid foreclosure. Anyone needing information about this should contact an expert. A mortgage broker that works with mortgage attorneys can often help. Stay far away from anyone that wants to charge you high fees to help you with a loan modification. Attorneys you hire that help you can often times charge their fees to either the mortgage company or mortgage broker.

I’m sure at some point in our lives we all wonder what it would like to be a Millionaire. The first question I would like to ask is, do you have any plans on how to reach your first million? I don’t feel there are any legal get rich quick schemes. I do believe that anyone can be a millionaire if they put their mind to it. Some people do not believe in the law of attraction. I however do. I believe that with positive thinking along with hard work and perseverance you will achieve your goals much quicker. This is advice I have been taking from Bob Proctor, Jack Canfield, Steve Siebold, and other mentors. All of these mentors are all Millionaires.

One of the most important things I have learned from these mentors, in order to be a Millionaire, you must think and act like a Millionaire. By thinking and acting like a Millionaire, you are preparing your mindset to a Millionaire. Just to clarify I am not a millionaire yet, but I am on my way financially to hit my million sometime within 5 years.

While the federal minimum wage is currently at $7.25 an hour at the national average, minimum wage has risen several times over the years. However the minimum wage for tipped employees has been the same since 1991 and is still at $2.13 per hour. Is this fair? I know very few people who can live off of this kind of income especially if they have children.

Scenario; if a full time waitress was making $2.13 per hour and worked 40 hrs per week she would earn $17.04 per day, if you would add average tips to that of $25 per day = $42.04 per day. All tipped workers should be getting at least minimum wage from their employers if they don’t earn enough in tips. How many honest employers out there do think would do this? I think that tipped workers should get at the very least a cost of living increase in wages.

I signed the petition for tipped workers to get a raise from the current minimum wage rate of $2.13 per hour.

I have been reading a book by Steve Siebold “177 Mental Toughness Secrets of the World Class.” There is many lessons to be learned from this book. This is an excellent read that will teach you how to apply principles to your daily life and business that will impact the way you think about money and how you can accomplish your goals and dreams by finding new ways to produce a bigger cash flow in your life. Many people don’t believe the secret can work for them, and are skeptical. The secret is based on the law of attraction and how you can attract the things you want into your life.

I have a challenge even for those that think it’s impossible to make over $40,000 in one day. I am committing to this challenge myself and will let you know if this this works. Please watch this short video by Steve Siebold and set your challenge.

Every year I participate in some way to donate to March of Dimes Charity. This is an important organization to me because I had a premature baby and this organization was a great help to me in that time of my life, this is my way of giving back. March of Dimes is on a mission to help prevent premature births, and help families in need of their services.

Donate as little as $1 or as much as you want. It’s tax deductible and you can print a receipt online. Please donate and help me reach my goal!

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Blogging is a great way to express yourself, keep in touch with family and friends. Blogging is not just something you do for fun anymore. It is a great tool to also increase traffic to your website and your business. While we have had a tough economy, it’s also one of the best avenues for free advertising. There are many ways you can blog and make money. I see blogging as one of the best Marketing tools to help boost my business, and any leads I get from it I see as a bonus to what I am already doing.

Blogging has been very successful for many people, but don’t count on it to be a stable income. What you want to do is build multiple streams of income. Most successful bloggers have been doing it for several years. I have been now blogging for one year, and I am happy when I do get the occasional paid blogging job.